Investment Patterns in India

Changing Trend of Investment Pattern in India and Emergence of Mutual Fund Industry

ABSTRACT:This project is about how the Investor's Behavior is changing and they are now leaving behind the sacred investment options like the fixed deposits, company deposits, gold etc. Investors are now looking towards equity linked investment options. Like most developed and developing countries the mutual fund cult has been catching on in India. There are various reasons for this. Mutual Fund makes it easy and less costly for investors to satisfy their need for capital growth, income preservation. And in addition to this a mutual fund brings the benefit of diversification and money management to the individual investor, providing an opportunity for financial success that was once available only to a select few. In this project I have given a brief about economy, inflation, and equity and debt market. Then it is explained how to cope with the inflation and how mutual fund is one of the best investment options today. A brief about mutual fund industry and the some information about HDFC Mutual Fund and its various products are given INTRODUCTION:

Many individuals find investments to be fascinating because they can participate in the decision making process and see the results of their choices. Not all investments will be profitable, as investor wills not always make the correct investment decisions over the period of years; however, you should earn a positive return on a diversified portfolio. In addition, there is a thrill from the major success, along with the agony associated with the stock that dramatically rose after you sold or did not buy. Both the big fish you catch and the fish that get away can make wonderful stories. Investing is not a game but a serious subject that can have a major impact on investor's future well being. Virtually everyone makes investments. Even if the individual does not select specific assets such as stock, investments are still made through participation in pension plan, and employee saving programme or through purchase of life insurance or a home. Each of this investment has common characteristics such as potential return and the risk you must bear. The future is uncertain, and you must determine how much risk you are willing to bear since higher return is associated with accepting more risk. In 1986, Microsoft Corporation first offered its stock to the public. Nine years later, the stock's value had increased over 5,000 percent- a $ 10,000 investment was worth over $ 5,00,000 in the same year, worlds of wonder also offered its stocks to the public. Nine years later the company was defunct- a $ 10,000 was worth nothing. These are two examples of emerging firms that could do exceedingly well or fail. Would investing in large, well establish firms generate more consistent returns? The answer depends, of course, on which firms were invested in. Over the years some investments have generated extraordinary gains, while others have produced only mediocre returns, and still others have resulted in substantial losses. The individual should start by specifying investment goals. Once these goals are established, the individual should be aware of the mechanics of investing and the environment in which investment decisions are made. These include the process by which securities are issued and subsequently bought and sold, the regulations and tax laws that have been enacted by various levels of government, and the sources of information concerning investment that are available to the individual. An understanding if this financial background leads to three important general financial concepts that apply to investing. Toady the field of investment is even more dynamic than it was only a decade ago. World event rapidly-events that alter the values of specific assets the individual has so many assets to choose from, and the amount of information available to the investors is staggering and continually growing....

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...and neglect keeps the system of cultivation primitive. The farmers are not prepared to accept anything new as a consequence of which modernization of agriculture becomes difficult.
(c) Inadequate non-firm Services:
Shortage of finance, marketing and storage facilities are also responsible for agricultural backwardness in India. The co-operatives and other institutional agencies have not been able to eliminate the village money lenders. Storage facilities for farmers are not still available to preserve their agricultural product for a better price.
(d) Natural Calamities:
Indian agriculture is a gamble in the monsoon. If monsoon becomes favorable, we have a good crop; otherwise agriculture is affected by drought, flood and cyclone.
2. Institutional Factors
(a) Size of Holding:
The small size of holdings in India is an impediment in the way of progressive agriculture. The average size of holdings in India is less than 2 hectares. In case of very small firms, it is difficult to introduce new technology. Further, due to fragmentation of holdings a great deal of labour and energy is destroyed in cultivation.
(b) Pattern of Land Tenure:
The agrarian structure in India is not conducive for a progressive agriculture. The tendril relationships were such that the big landlords used to have a considerable influence on their respective areas. The actuarial cultivator had known incentive for improvement and more...

...CHAPTER IV INVESTMENTPATTERN OF INDIAN MUTUAL FUNDS
This chapter analyses the investmentpatterns of the Ind~anmutual fund industry as a whole in general, the pnvate mutual funds and UTI in particular An attempt is also made in this chapter to compare across the d~fferent mutual funds on the pattern of their deployment of funds. The most Important activity In a mutual fund and operation is management of funds Fund managers acquire sk~lls expertise over a period of time. They need to have knowledge in the areas of working of markets, spectrum of instruments, macro-economic performance, Industry and industry cycles,
historical record of stock market performance, and above all, the money psychology
or psychology of the market for ensuring maxlmum possible return to investors. Funds manager makes investment dec~sionsfor the future. The results of the decision are known only at a later date It is very difficult to say with certainty that whether the decision is going to be right or wrong. Therefore, the Intentions and research support, are the key factors in post-decislon performance analysis of investments. Investment decisions, which are to be taken, depend on the objectives of each required for managng each fund. There are variehes of funds available The sk~lls type of fund are different. A manager who successfully manages growth funds. may not be suitable...

...state HNISPROJECT REPORT
Analysis of investmentpattern of High Networth Real Estate developers in Kolkata
Submitted to: Birla Sunlife AMC
1
ACKNOWLEDGEMENT
The project in its present form and state would not have been possible had it not been for the able guidance and support of Mr. Gautam Deo whom I always looked up to, when faced with any difficulty and have disturbed him at all times and hours.
I would also like to thank our trainer Mr. Himanshu Redhu who provided me with all the skills and training required to do our project. I am also thankful to Mr.Ayan Banerjee, who provided me with references required for collection of data.
No research would be successful, without the active involvement of the respondents and we take this opportunity to thank our various respondents for having patiently filled our response sheet.
2
EXECUTIVE SUMMARY
The Mutual Funds started in India in 1963 with the formation of Unit Trust of India, at initiative of the Government of India and Reserve Bank of India. Since then it has grown into a size of more than 7 lakhs Crore. From a tax saving option to its classification with a wealth creation opportunity, the Mutual Fund industry has come a long way to being a .The study focuses on the factors that motivate a High Net Worth individual to invest in a Mutual Fund. The groups are covered in the premium segment namely: Real Estate High...

...NOTICE FOR SUMMER PROJECTS
Dear Students,
Before you leave for Summer Training, you must collect the following documents:
From Placement Office:
1. Letter of introduction addressed to the organization
From PGP Office:
2. Summer Project Information Sheet
3. Summer Project Evaluation Form
4. Envelope (Confidential)
You are required to submit duly filled Summer Project Information Sheet (Document 2) to PGP Office latest by March 27,
2014 (Thursday, 1730 hours). If you do not have details of Summer Project Title and Name & Address of the Project
Supervisor, you may provide these two details later through e-mail within three days of your joining the company at the
following ID: ram@iiml.ac.in.
The Summer Project Evaluation Form (Document 3) should be given to your Project Supervisor who would, upon
completion of your summer training, complete the form, put it in the given envelope, seal it, sign across the seal, and hand
over the envelope to you. Accordingly, the project supervisor may be requested to complete these formalities.
At the time of Term IV registration, you would be required to submit:
a)
b)
c)
Typed and neatly bound Summer Project report;
Certificate from the organization on its official letter head certifying the completion of the summer
training;
Sealed envelope containing the completed ‘Summer Project Evaluation Form’.
Please note that without these documents, you will not be permitted to register for Term IV. You must make this...

...risk for a stock and to evaluate its desirability in a logical, rational manner.
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Investment Trusts Trading At Discount
TOPIC # 3
Introduction
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...alternative design, investment, and pricing strategies on the risk- adjusted return on the equity invested in each financial product (Holmer & Zenios et al, 1995). Insurance companies provide its customers with the assurance in return of their investment. This assurance is generally divided into two main categories i.e. life insurance and general insurance. (Carino et al, 1994).
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...Land Use Pattern of India
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Land Use Pattern of India - Informative & researched article on Land Use Pattern of India
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Land Use Pattern of India
Land Use Pattern in India is mainly determined by economic, institutional and physical structure. Land area in India is ample but that needs proper care to survive and sustain.
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